B2B sellers face a critical decision when choosing between accounts receivable automation platforms and business funding providers. While Versapay focuses on AR automation and collections workflows, Greenbox Capital provides business financing through various funding products.
For mid-market manufacturers, distributors, and wholesalers seeking a solution that combines working capital access with comprehensive AR management, Resolve Pay's net terms financing delivers both capabilities in a single integrated platform with non-recourse protection for eligible approved invoices.
The B2B payment technology market encompasses distinct solution categories serving different operational needs. AR automation platforms like Versapay help businesses manage invoice generation, payment processing, and collections workflows. Business funding providers like Greenbox Capital offer working capital through various financing mechanisms. Integrated platforms like Resolve Pay combine both functions, providing net terms financing alongside comprehensive accounts receivable management.
Each approach carries distinct implications for cash flow, risk exposure, and operational efficiency:
The global B2B BNPL market was projected to reach $199.2 billion in 2024 and grow to $669.5 billion by 2029, representing a 27.4% compound annual growth rate (CAGR). These projections reflect growing demand for flexible payment terms in B2B commerce.
Versapay operates as a collaborative accounts receivable platform designed to streamline invoice-to-cash processes. Founded in 2006, the company has built a substantial customer base with over 10,000 customers processing significant payment volumes annually.
The platform centers on AR automation features including:
Versapay provides a collaborative customer portal where buyers can view invoices, make payments, and communicate with sellers about billing questions or disputes. This self-service approach reduces inbound inquiries and accelerates payment collection by giving customers direct access to their account information.
Payment options include ACH, credit card, wire transfer, and virtual card payments. The platform supports multiple payment methods to accommodate diverse buyer preferences and improve collection rates.
Versapay offers deep ERP integrations with enterprise systems including:
These connections enable two-way data synchronization between the AR platform and core accounting systems. However, Versapay's ecommerce integration capabilities are more limited compared to platforms built specifically for B2B online sales. Businesses selling through ecommerce platforms may need additional tools to connect their online storefronts with Versapay's AR management features.
Versapay focuses on accounts receivable automation, payments, collections, and cash application. Resolve Pay takes a broader approach for B2B sellers by combining receivables automation with net terms financing and credit management in one platform.
Greenbox Capital provides several forms of small-business funding, including merchant cash advances, business lines of credit, and loan products. Its website states that it has funded over 100,000 businesses. Greenbox Capital's invoice factoring page currently notes that the company has temporarily suspended that offering.
Funding and repayment structures depend on the product. For merchant cash advances, payments are generally tied to daily or weekly business card sales. This differs from Resolve Pay's model, which is built around B2B net terms, approved invoices, credit management, and accounts receivable workflows.
Greenbox Capital emphasizes fast application processing, with funding decisions typically made quickly once applications are complete. This speed appeals to businesses facing immediate cash flow needs or time-sensitive opportunities.
The approval process focuses on business revenue history rather than traditional credit metrics. Companies with lower credit scores may qualify when they can demonstrate consistent cash flow. Qualification and repayment requirements vary by funding product and agreement.
Greenbox Capital's repayment structure depends on the funding product selected. Merchant cash advance payments are generally tied to business sales, while loans, credit lines, and other funding products follow their respective agreements. This differs from Resolve Pay's invoice-focused model for B2B sellers offering net terms.
Greenbox Capital financing typically requires personal guarantees from business owners, creating individual liability exposure. The company maintains a BBB A+ rating and has been accredited since 2014, indicating established business practices.
However, Greenbox Capital does not provide:
Businesses using this funding source still need separate tools or manual processes to manage their receivables workflow.
Resolve Pay operates as a B2B payments platform that combines net terms financing with comprehensive AR automation. Built by former executives from Affirm, Amazon, and PayPal, the platform serves over 15,000 businesses in manufacturing, wholesale distribution, and supply industries.
The platform enables sellers to offer Net 30, 60, or 90 payment terms to business buyers while receiving payment within 1-2 business days. This approach addresses both immediate cash flow needs and long-term receivables management in a single solution.
Resolve Pay provides non-recourse financing for eligible approved invoices. For approved-buyer credit risk, sellers can receive an advance without taking on the same default exposure they would carry when extending terms independently. Disputes related to merchandise, fulfillment, or merchant error follow a separate resolution process.
This structure helps businesses extend flexible net terms while reducing exposure to approved-buyer credit defaults. Advance availability and amounts depend on buyer approval, invoice eligibility, and Resolve Pay's underwriting decisions.
Resolve Pay's proprietary credit engine provides real-time buyer approvals by analyzing thousands of data points including cash flow trends, payment history, and behavioral signals. Many approvals happen within seconds, with more complex evaluations completing within 24 hours.
The system performs quiet credit checks that do not notify buyers or impact their credit scores. Dynamic credit lines adjust automatically based on payment history, allowing reliable buyers to access higher limits over time.
Archipelago Lighting reduced its credit approval process from 10 business days to about 24 hours and was able to offer customers credit lines nearly 20 times larger after implementing Resolve Pay.
Beyond financing, Resolve Pay provides full accounts receivable automation including:
Customer testimonials indicate 90% reductions in AR workload. John Sanzone from Trenchless Supply noted that "work required from our end decreased by at least 90%" after implementing Resolve Pay.
Resolve Pay integrates with major B2B ecommerce platforms, with direct support for BigCommerce, Magento 2, and WooCommerce and custom-flow support for Shopify. These integrations can bring net terms into B2B ecommerce purchasing workflows.
ERP integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite provide two-way synchronization for invoice and payment data. The platform supports automatic bookkeeping sync to eliminate manual entry and reconciliation tasks.
Implementation can typically be completed in days, although timing depends on the seller's systems, integration requirements, and workflow complexity.
Resolve Pay's B2B payment portal maintains the seller's brand throughout the buyer journey. Customers see a branded dashboard showing invoices, credit lines, and payment history without third-party branding interfering with the supplier relationship.
Payment options include ACH, wire transfer, credit card, and check. Buyers can set up payment plans and flag disputes directly through the portal, with all interactions logged to invoice records automatically.
The three platforms take fundamentally different approaches to cash flow:
Risk allocation varies across solutions:
Collections and invoice management features differ significantly:
Time-to-value varies across platforms:
Resolve Pay is designed for manufacturers, distributors, wholesalers, and other B2B sellers that want to connect net terms, credit management, receivables automation, payments, and cash flow acceleration in one workflow.
The platform is particularly relevant for businesses that:
Resolve Pay's customer results include Archipelago Lighting tripling revenue, SS&SI Dealer Network achieving 5x revenue growth, and ConEquip reporting substantial year-over-year growth. These results illustrate how integrated net terms and receivables workflows can support B2B sellers as they scale.
Resolve Pay supports invoice management, payment reconciliation, automated reminders, collections workflows, and AR visibility in one platform. Its agentic collections capabilities can coordinate email, SMS, and voice outreach while automatically adjusting or pausing sequences when payments or disputes are received.
Resolve Pay provides non-recourse protection for approved-buyer credit risk on eligible invoices. This means sellers can reduce their exposure when an approved buyer fails to pay for credit-related reasons. Merchandise disputes, fulfillment issues, merchant errors, and other non-credit disputes follow a separate resolution process.
Resolve Pay integrates with major accounting and ERP systems including QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. It also supports BigCommerce, Magento 2, and WooCommerce directly, with Shopify supported through custom flows. These connections help synchronize invoice, customer, and payment data across supported systems.
Resolve Pay can typically be set up in days, although timing depends on the seller's systems, integration requirements, and workflow complexity. The platform supports direct integrations, custom flows, and APIs for businesses that need a more tailored implementation.
For eligible approved invoices, Resolve Pay's non-recourse structure protects sellers from approved-buyer credit default risk. If non-payment results from a merchandise dispute, fulfillment problem, merchant error, or another non-credit issue, Resolve Pay follows a separate dispute-resolution process.
This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.